" Here’s a summary of our predicaments: We have more responsibility for our financial lives than ever before. We are uncomfortable talking and learning about money. We are living considerably longer, prolonging all of these problems. Our brains are hardwired to make lousy financial decisions. An unprecedented amount of information and choice makes decision-making harder. Many people are financially fragile. Our earnings and savings potential is less than it once was. Outsized investment returns are unlikely, so the market will not save us. This is not a good state of affairs. But as so many of us like to say when confronted with a tough situation: It is what it is. We carry on. Let’s now see what we can do about it. 1 "

― , The Geometry of Wealth: How to shape a life of money and meaning